Blue Ridge Bank, N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Blue Ridge Bank, N.A.. Based in Martinsville, Virginia, it had $2.3 billion in assets at June 30, 2026, down 9.0% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.67% of loans from 1.07% a year earlier. It loses about $0.17 a year on every $100 of assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median $1.29). It also spends about 83 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 58 cents).
It lost $1.0 million in the quarter. The commercial and industrial book ($268 million) is worsening: 7.76% of it is past due or on nonaccrual, up from 4.12% a year earlier. Credit is the area to watch: it carries problem assets equal to 12.1% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size.
As of June 30, 2026, Blue Ridge Bank, N.A. reported a CET1 capital ratio of 15.10%, a return on assets of -0.17%, a nonperforming-loan ratio of 1.68% and a Texas ratio of 12.14%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 1 E Market St, Martinsville, VA 24112
- County
- Martinsville City
- Metro Area
- Martinsville, VA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 24, 2000
- Former names
- River Community Bank, National Association (2008-2016)
- Offices
- 27 domestic
- Employees (FTE)
- 254
- Domestic deposits
- $1.89B
- Allowance for credit losses
- $22.0M
- Net charge-offs (YTD)
- $305K
- Average total assets
- $2.38B
- Average total loans
- $1.83B
- Average interest-bearing deposits
- $1.45B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 24, 2000
- FDIC Cert
- 35274
- Fed RSSD
- 233527
- SEC CIK
- 842717 → filed by BLUE RIDGE BANKSHARES, INC.
- Website
- www.mybrb.com →
- Parent Holding Company
- BLUE RIDGE BANKSHARES, INC. (RSSD 1426960) · BRBS
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Harry W Golliday | CEO | Interim CEO and President |
| Gavant Judy Carol | CFO | EVP & Chief Financial Officer |
| Grace Vallacchi | CRO | Chief Risk Officer |
| Stanley A. Roberts | GC | General Counsel |
| Lanell Deloach | CCO | Chief Credit Officer of Subsid |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Blue Ridge Bank, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Blue Ridge Bank, N.A., freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Blue Ridge Bank, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.10% | -0.17% | 1.68% | 12.14% | 2.91% |
| Q1 2026 | 15.33% | 0.19% | 1.15% | 8.35% | 2.91% |
| Q4 2025 | 18.18% | 0.73% | 1.26% | 7.76% | 3.04% |
| Q3 2025 | 18.95% | 0.89% | 1.48% | 7.51% | 3.58% |
| Q2 2025 | 17.86% | 0.32% | 1.22% | 6.42% | 3.18% |
| Q1 2025 | 16.88% | 0.06% | 1.19% | 6.71% | 2.95% |
| Q4 2024 | 16.38% | -0.17% | 1.19% | 7.01% | 2.84% |
| Q3 2024 | 15.68% | 0.18% | 1.46% | 8.90% | 2.75% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 27 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bayberry Richmond Branch | Richmond , VA | 23226 | $364.9M |
| Luray Branch | Luray , VA | 22835 | $190.1M |
| Kilmarnock Branch | Kilmarnock , VA | 22482 | $144.5M |
| Charlottesville Branch | Charlottesville , VA | 22901 | $102.7M |
| Blue Ridge Bank, N.A. (main office) | Martinsville , VA | 24112 | $94.2M |
| Louisa Branch | Louisa , VA | 23093 | $86.8M |
| Tuckahoe Branch | Henrico , VA | 23229 | $76.1M |
| Colonial Heights Branch | Colonial Heights , VA | 23834 | $63.3M |
| Orange Branch | Orange , VA | 22960 | $60.4M |
| Robious Branch | Richmond , VA | 23235 | $55.7M |
| Harrisonburg Branch | Harrisonburg , VA | 22801 | $52.7M |
| Mineral Branch | Mineral , VA | 23117 | $51.1M |
| Culpeper Office Branch | Culpeper , VA | 22701 | $51.0M |
| Montross Branch | Montross , VA | 22520 | $49.0M |
| Virginia Beach Branch | Virginia Beach , VA | 23451 | $49.0M |
| 4600 West Hundred Road Branch | Chester , VA | 23831 | $47.8M |
| Callao Branch | Callao , VA | 22435 | $44.6M |
| Gordonsville Branch | Gordonsville , VA | 22942 | $43.4M |
| Shenandoah Branch | Shenandoah , VA | 22849 | $42.1M |
| Warsaw Branch | Warsaw , VA | 22572 | $41.3M |
| 1703 N Main Street Branch | Suffolk , VA | 23434 | $38.4M |
| White Stone Branch | White Stone , VA | 22578 | $36.1M |
| Patterson Branch | Richmond , VA | 23226 | $28.1M |
| Monument Branch | Petersburg , VA | 23805 | $24.1M |
| Fredericksburg Branch | Fredericksburg , VA | 22407 | $19.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 1, 2021 | Structure Change | Acquired Virginia Commonwealth Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 31, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 15, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 15, 2019 | Structure Change | Acquired Virginia Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 10, 2016 | Structure Change | Acquired another institution Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 9, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 20, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 7 events.
Regulatory record
What the public regulatory sources show for Blue Ridge Bank, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 2 against the institution (OCC)
- January 24, 2024, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Blue Ridge Bank, National Association
- August 29, 2022, OCC: Formal Agreement: Blue Ridge Bank, National Association
- Period: Most recent institution action January 24, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.6% of deposits in VA, rank 21 of 105 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 199 applications, 135 loans originated, $39.9M originated, across 13 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 7 loans, $3.0M approved, $422K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Blue Ridge Bank, N.A.
What are Blue Ridge Bank, N.A.'s total assets?
As of the Q2 2026 filing, Blue Ridge Bank, N.A. reported total assets of $2.31 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Blue Ridge Bank, N.A. headquartered?
Blue Ridge Bank, N.A. is headquartered in Martinsville, VA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Blue Ridge Bank, N.A. founded?
Blue Ridge Bank, N.A. was established in 2000, per the FDIC institution directory.
Is Blue Ridge Bank, N.A. FDIC-insured?
Yes. Blue Ridge Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #35274). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Blue Ridge Bank, N.A.?
Blue Ridge Bank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Blue Ridge Bank, N.A.'s CET1 capital ratio?
Blue Ridge Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 15.10% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Blue Ridge Bank, N.A. operate?
Blue Ridge Bank, N.A. operates 27 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Blue Ridge Bank, N.A.'s Texas Ratio?
Blue Ridge Bank, N.A.'s Texas Ratio is 12.14% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Blue Ridge Bank, N.A. previously called?
The charter now named Blue Ridge Bank, N.A. has also operated as River Community Bank, National Association (2008-2016), per FDIC structure-change records.
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